All tools
Free tool
What could a Roth IRA grow to?
A Roth IRA grows tax free. Move the sliders to see what a monthly contribution could become by age 60, and what starting later costs.
Roth IRA growth to age 60
The 2026 IRA limit is $7,500 a year, about $625 a month.
A long-run assumption, not a promise. Real returns vary a lot year to year.
- Balance at 60
- $632,632
- You put in
- $133,200
- Growth, tax free
- $499,432
BalanceWhat you put in
Starting at 33 instead of 23 leaves roughly $343,825 less at 60, from the same monthly amount.
Illustrative example, not a client result. Not tax or legal advice. Assumes level monthly contributions and a constant 7% annual return compounded monthly, with no fees. Roth eligibility has income limits. Actual results will differ and can include losses.
How this works
What the tool assumes
- 01
A steady monthly amount
You pick a monthly contribution up to the 2026 IRA limit of $7,500 a year, and it stays the same every month until age 60. - 02
A fixed return
The balance grows at the return you choose, every year. Real markets go up and down, so treat it as a long-run average, not a promise. - 03
The cost of waiting
The same plan started ten years later shows how much of the final balance comes from time in the market.
Start with a free 30-minute consult
Tell me what your situation looks like. If you do not need help, I will tell you that too.
Book a free 30-minute consult